What Gas Stations Take Credit Cards & How to Pay?

Credit Card Acceptance at Gas Stations

Most gas stations across the United States accept major credit cards for fuel purchases. This makes credit cards a convenient payment option for drivers, as acceptance is generally available at both large national chains and smaller, independently owned stations.

While acceptance is nearly universal, very small or remote independent stations might occasionally have limitations, such as accepting only specific card networks or operating on a cash-only basis. These instances are becoming increasingly rare. Credit cards are also accepted for purchases made inside the station’s convenience store, from snacks and drinks to automotive essentials.

How to Pay with Credit at the Pump and Inside

Paying for fuel with a credit card at the pump involves inserting or tapping your card when prompted. You will then select your fuel grade and begin pumping. Once complete, you can print a receipt directly from the pump.

Alternatively, you can pay inside the gas station. Note your pump number before entering. Inform the cashier of your pump number and the amount you wish to pre-pay, or indicate that you want a “fill-up.” Paying inside allows you to set a specific dollar amount. Using a credit card for gas purchases can offer benefits like transaction security and potential rewards programs.

Understanding Pre-Authorization Holds

When you pay for gas at the pump with a credit card, gas stations often place a temporary pre-authorization hold on your account. This ensures sufficient funds are available to cover your fuel purchase, even if you fill your tank completely. The hold amount can vary, commonly ranging from $75 to $150, depending on the gas station and your bank’s policies.

A pre-authorization is not a final charge but a temporary reduction in your available credit or funds. The actual charge for the fuel you pumped will replace this hold, typically within minutes or a few business days, once the transaction fully processes. While active, it may temporarily reduce your available credit limit, which is a consideration for those with lower credit limits.

Additional Credit Card Payment Considerations

While major gas stations rarely impose extra fees for credit card use, some smaller or independent locations might apply a surcharge. Any such surcharge must be clearly disclosed before the transaction is completed. This fee helps the merchant cover processing costs.

When paying at the pump, check the card reader for signs of tampering, such as unusual attachments or loose parts, to guard against card skimmers. Protecting your Personal Identification Number (PIN) during transactions is also important. Many credit cards offer bonus rewards or cashback on gas purchases, making them a financially attractive option for fueling your vehicle.